Anthony Bonanato
Sicklerville
Summary
Financial professional with significant experience in commercial banking, specializing in loan structuring and negotiation. Successfully managed portfolios over $500 million while maintaining strong client relationships and compliance standards. Expertise in financial analysis and risk assessment, contributing to business development through strategic networking and tailored client solutions.
Overview
27
27
years of professional experience
Work History
Senior Associate
Santander Bank Us
Sicklerville
04.2025 - Current
- Facilitated negotiations of maturing loan terms and conditions with customers.
- Administered portfolio of 15-20 clients, managing commitments surpassing $500MM.
- Documented periodic reports illustrating status of all outstanding loans within portfolio.
- Educated clients on loan products, terms, and repayment options available.
- Collaborated with clients to assess financial requirements and goals for matured loans and extension strategy.
- Ensured compliance with federal, state, and local regulations as well as company policies and procedures.
- Monitored delinquent accounts by working closely with borrowers during forbearance periods or when seeking alternative payment arrangements.
- Developed and maintained knowledge of available loan products, processing procedures and underwriting and general departmental guidelines.
- Evaluated applicants' financial status alongside credit and property assessments to ascertain feasibility of granting loan extensions.
Business Banking Relationship Manager
OceanFirst Bank
Vineland
08.2023 - Current
- Provided personalized financial advice and solutions to small business owners with revenues under $5 million.
- Analyzed financial data to assess client creditworthiness and risk levels.
- Managed and developed a client portfolio in excess of $130 million.
- Responsible for new loan origination, managing loan renewals, and maintaining outstandings.
- Worked with regional leadership and local branch managers to execute successful business strategies.
- Responsible for loan/deal structuring, and loan closings.
- Negotiated loan documents with small business clients.
- Responsible for deposit generation and cross-sell opportunities.
Commercial Relationship Manager
OceanFirst Bank
Philadelphia
02.2018 - 08.2023
- Provided personalized financial advice and solutions to small business owners with revenues under $5 million.
- Analyzed financial data to assess client creditworthiness and risk levels.
- Managed and developed a client portfolio in excess of $130 million.
- Responsible for new loan origination, managing loan renewals and maintaining outstandings.
- Worked with regional leadership and local branch managers to execute successful business strategies.
- Responsible for loan/deal structuring and loan closings.
- Negotiated loan documents with small business clients.
- Responsible for deposit generation and cross-sell opportunities.
Commercial Real Estate Banking
Bank of America
Philadelphia
08.1999 - 02.2018
- Managed and developed a portfolio of commercial clients in excess of $300 million and successfully grew business relationships with a focus on relationship management and client retention.
- Developed and maintained an extensive COI network to assist in acquiring new clients and increasing revenue.
- Responsible for conducting routine property inspections across the portfolio to ensure risk adherence.
- Negotiated and structured loan agreements, to include pricing, for commercial real estate clients.
- Developed and maintained relationships with commercial real estate developers and investors.
- Monitored loan performance and worked with borrowers on modifications or workouts as needed.
- Managed a team of 8-10 portfolio managers overseeing the entire portfolio for the MidAtlantic Commercial Real Estate Banking team.
- Prepared credit memos and presentations for loan committee review and approval.
- Provided excellent customer service and support to clients throughout the loan process.
- Negotiated loan terms with borrowers and collaborated with legal teams to finalize loan agreements.
- Analyzed financial statements and conducted property inspections to assess risk and underwrite loans.
- Managed a portfolio of commercial real estate loans totaling over $500 million.
- Loan syndication and bank agent experience.
- Operated as Flood Liaison across all lines of business and assisted with loan structuring around flood and all flood policy.
Education
Economics -
Rutgers University
05.1995
Skills
- Financial analysis and risk assessment
- Loan structuring and negotiation
- Portfolio and client management
- Business development and networking
- Time management
- Compliance regulation
- Loan origination
Timeline
Senior Associate
Santander Bank Us
04.2025 - Current
Business Banking Relationship Manager
OceanFirst Bank
08.2023 - Current
Commercial Relationship Manager
OceanFirst Bank
02.2018 - 08.2023
Commercial Real Estate Banking
Bank of America
08.1999 - 02.2018
Economics -
Rutgers University